In this first video, I introduce the foundational problem with how most people approach retirement today: they’re flying blind into a storm. I share what happened to my own stable pension system, how my experience as a firefighter shaped my thinking about risk, and what most financial advisors miss when they get tunnel vision chasing returns.

Retirement isn’t just about returns—it's about creating reliable income that lasts no matter what the market does. I break down the three critical risks every retiree needs to understand and introduce the core pillars of the Atlas Annuity Strategy.

Here's what I cover:

• Why the 4% rule doesn’t work anymore—and what does
• How average returns can be dangerously misleading
• The three biggest risks in retirement: withdrawal rate risk, sequence of returns risk, and longevity risk
• How annuities provide guaranteed income and peace of mind
• Why annuities are misunderstood—and often ignored by advisors
• How the Atlas Annuity Strategy addresses each major retirement risk

Ready To Continue? Watch Any Other Video In The Series